← Embedded Finance Index 2026

Locate2u

“Can a delivery-management SaaS built for SMB fleets become the AI-driven operating system for last-mile logistics?”

Founded2014
HQSydney, Australia (parent: Locate Technologies Limited, Wellington, New Zealand)
FoundersSteve Orenstein
Latest roundPublicly listed on NZX (ticker: LOC)
IndustryVertical SaaS / Logistics

The story

Founded 2014 as Zoom2u, a same-day courier marketplace in Australia. Pivoted in 2019 to a SaaS platform (Locate2u) for logistics operators — route optimization, real-time tracking, proof of delivery, and fleet management. Parent Locate Technologies listed on NZX in 2021. Recent product direction (2026) is AI-native logistics: OpenClaw and AI Agents automate dispatch, customer service, and quoting. Embedded finance is minimal — the platform bills subscription fees via Stripe and passes billing/pay-run data to Xero/QuickBooks rather than acting as a payment facilitator.

Last 12 months

2026-01

Updated Terms, Privacy Policy, and Security page; declared SOC 2 alignment in progress

Product timeline

2014

Founded as Zoom2u, a same-day delivery marketplace in Australia· pivot

2019

Launched Locate2u SaaS platform for route optimization, tracking, and delivery management· pivot

2021

Parent company Locate Technologies listed on NZX (LOC)· ipo

2026

Launched OpenClaw AI core and AI Agents for dispatch, customer service, and quoting· pivot

The stack

2 layers disclosed in Locate2u’s embedded-finance stack

Payments / PSP

Stripe

Accounting

in the full report

Accounting gap: none

9 more providers across 1 layer, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.

Locate2u — frequently asked

Who is Locate2u's payment processor?

Locate2u processes payments through Stripe.

Which accounting software does Locate2u integrate with?

Locate2u integrates with Xero, QuickBooks, NetSuite, SAP, Microsoft Dynamics, Salesforce, Sage, Shopify and 1 other.

What is Locate2u's embedded finance stack?

The Embedded Finance Index 2026 maps 2 layers in Locate2u's stack: Payments / PSP (Stripe); Accounting (Xero, QuickBooks, NetSuite, SAP and 5 others).

Who founded Locate2u?

Locate2u was founded by Steve Orenstein and is founded in 2014, headquartered in Sydney, Australia (parent: Locate Technologies Limited, Wellington, New Zealand).

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